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Heating Bills are Rising: 7 Ways Iowa Families Can Save on Utilities This Winter

Iowa winters are no joke, and when the temperatures drop, heating bills tend to rise fast. For many families, that means tighter budgets and more stress.

Whether you’re trying to cut costs or you’re worried about keeping the heat on, there are real, practical steps you can take to make this season easier. At Bank Plus, we care about helping our neighbors stay warm and financially secure.

Here are 7 smart ways to lower your heating bills and get the support you need this winter.

1. Apply Early for LIHEAP (Low-Income Home Energy Assistance Program)

If you’re struggling to pay your heating bill, LIHEAP may be able to help. This federal program provides a one-time payment toward heating costs for income-eligible households in Iowa.

You may qualify if:

  • Your income is within federal guidelines
  • Someone in your home is age 60 or older, has a disability, or is facing a utility shutoff

Applications open October 1 for priority households and November 1 for all others. The program runs through April 30.

Where to apply:

Contact your local Community Action Agency or visit LIHEAP Iowa to learn more.

Apply for LIHEAP

2. Understand Iowa’s Winter Utility Shutoff Moratorium

Good news: If you’re approved for LIHEAP, you’re also protected under Iowa’s Winter Moratorium.

This means that from November 1 to April 1, your gas or electric provider cannot shut off your heat, even if you’re behind on payments.

But here’s the catch: balances still add up. It’s important to pay what you can during this period to avoid a big bill in spring.

We recommend opening a separate savings account to serve as an emergency fund for situations like these. Our team can help you set up an account and assist you with figuring out budgeting.

3. Sign Up for Budget Billing with Your Utility Provider

Utility bills in winter can be unpredictable. Budget billing helps smooth things out.

With budget billing, your utility provider spreads your costs evenly across the year. That means no surprises, just consistent, manageable payments.

BankPlus Tip: Call your provider and ask about enrolling before peak heating season begins.

4. Weatherize Your Home to Save Energy

You don’t need to spend a lot to save a lot. Small fixes can lead to big savings.

Try these DIY energy-saving upgrades:

  • Seal gaps around doors and windows with weather stripping
  • Add insulation to your attic or crawlspace
  • Use thermal curtains to trap heat
  • Install a programmable thermostat to lower the heat when you’re asleep or away

If you qualify for LIHEAP, you may also qualify for the Weatherization Assistance Program, which provides free upgrades like insulation or furnace repairs. Plus, many utility companies offer discounts on things like smart thermostats! Check out their websites for more details or call their customer care

5. Track Your Energy Use and Make Small Adjustments

Start by asking your utility provider for your usage history. Knowing how much energy you used last winter can help you budget better and spot areas to cut back.

Simple changes include:

  • Lowering your thermostat by just 1–2 degrees
  • Turning off lights and unplugging unused devices
  • Using energy-efficient LED bulbs

These small tweaks may not seem like much, but they can add up over the course of a cold Iowa winter.

6. Explore Local Assistance and Community Programs

Your local Community Action Agency may offer more than just LIHEAP.

Depending on your location, you may also find:

  • Emergency utility assistance
  • Free financial counseling
  • Referrals for food, rent, or home repairs
  • Help with furnace repairs or space heaters

Dial 211 in Iowa to get connected to nearby programs and resources.

7. Build a Winter Budget Now

Winter means higher heating bills, but that’s not the only seasonal cost. Between holidays, gifts, snow gear, and school breaks, it’s easy to go over budget.

Take time to:

  • Review last year’s winter expenses
  • Add a buffer for higher utility costs
  • Plan for one-time expenses like snow tires or holiday travel
  • Use Bank Plus budgeting tools to stay on track

Need help? Stop by your local Bank Plus branch. We’re happy to help you create a simple, flexible budget that works for your household.

Visit Your Local Bank Plus Branch

You Don’t Have to Face Winter Alone

Iowa winters can be tough, but you don’t have to tough it out alone. From energy-saving tips to budget planning to financial assistance, help is out there.

If you’re worried about paying your next heating bill or just want to stay ahead of rising costs, reach out to:

We’re proud to serve Iowa families, and we’re here to help you navigate every season.